Welcome to United Capital Mill Valley

Welcome to United Capital Mill Valleyjoestammen2016-11-30T00:28:19+00:00

The United Capital Mill Valley office offers investment expertise and strategies tailored to your unique needs. For decades, our team has worked with clients to help reach their financial goals by designing and actively managing investment portfolios for individuals and institutions. Our investment management practices integrate critical planning needs, providing our clients with a wide-angle approach that addresses every aspect of their financial picture. Founded in 1977, Rayner & Haynor, now the United Capital Mill Valley office, manages assets for a range of individual and institutional clients.

Typical account types we manage include:

Individuals

Personal trusts

Pension plans

Profit-sharing plans

Charitable trusts

Individual retirement accounts

Endowments

Working With Us

Our process is grounded in first understanding our clients as individuals, and then tailoring the investment process to each client’s personalized set of goals, aspirations, needs and preferences.

Getting StartedWe first meet with clients to obtain a clear understanding of their financial needs. We identify short- and long-term goals, define the level of risk each client is comfortable with, and determine the length of time they plan to invest.

We also get a better understanding of each client’s tax and legal situation, their needs around retirement and estate planning, and any preferences or restrictions regarding securities or asset classes.

As a fee-only adviser, we provide independent, objective guidance. Our fixed annual fees are based on a percentage of each client’s assets under management, keeping our financial success tied to that of our clients. The planning services we provide are included as part of that package.

Customized Financial Roadmaps
We work closely with each client to create goals and objectives that are both meaningful and attainable. Through this process, we develop a “road map” that we keep current as changes occur in the investment world and in our clients’ financial situations. In addition to specific financial goals, we consider relevant needs in the areas of legal and tax planning.

Personal Meetings
Our clients have direct access to our key decision makers and owners. We encourage periodic meetings with our clients, particularly during significant changes such as a birth, home purchase, or retirement, as well as during changes in the investment marketplace.

Quarterly Evaluations
Once a quarter, we create investment evaluations for each client. These are comprehensive reports which include:

Specific performance results

List of purchases and sales

Year-to-date realized gains and losses

Appraisal of all securities in the portfolio

We also provide a market commentary that includes a forecast of the near-term economy and investment market performance.